Lake Carroll, IL
How exposed is Lake Carroll to wildfire?
Lake Carroll's 1,414 buildings earn a 28th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lake Carroll at the 28th percentile, close to its 28th-percentile risk score.
Lake Carroll's building exposure, zone by zone
1,414 buildings are counted in Lake Carroll, and 83.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 16.7% rated Minimal.
Where Lake Carroll ranks
Compare Lake Carroll's two percentiles: 76th within Illinois, only 28th nationally — a gap of 49 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lake Carroll ranks 22,842 for wildfire risk (1 is highest) and 9,566 by building count (1 is largest). Within Illinois alone, it ranks 344 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Lake Carroll
Lake Carroll's moderate rating (28th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Lake Carroll's 83.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Lake Carroll's figures come from
The methodology guide shows exactly how USFS turned 1,414 counted buildings into the percentiles shown above for Lake Carroll. The exposure-zones guide covers what Lake Carroll's dominant direct exposure actually means, with real examples from across the dataset.